Malthusius is right that she is a Steatoda, but not bipuncta, definitely nobilis.

Females are usually pretty docile & stick to their webs. Were the clothes stored in an unused cupboard, or room?

Whilst they often inhabit places with a lot of human footfall nearby (porches, window frames, conservatories, sheds) they avoid direct contact and are easily spooked. The ganglier males, with similar marking on a much smaller abdomen, tend to wander about more & be more of an issue. However, they are well established in the UK and many of us live side by side with them day to day, with no problem.

She'll probably be happy relocated to an external wall (if it has any nooks & crannies she can retreat into) or window frame?

Many thanks for your replies and info. After researching on the net, I thought it could be a Steatoda Nobilis too. I have passed the spider on to a guy from the BAS as he wanted a further look - I live in Aberdeen so can't get much further north!